Search found 989 matches

by Cosmo
Sun Jul 26, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 2575

Re: How much does Property Tax factor in home purchase?

Property taxes are important because if you cannot afford to pay them, then your life will be miserable in the new house. And sometimes property taxes may seem to be "unfair". I know in my neighborhood, we pay about 10% to 20% less than comparable neighbors because we protest the tax auth...
by Cosmo
Wed Jul 15, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 1785

Re: Music player while exercising

Why wouldn't you use your smart phone to play music? It will also keep track of your "steps", your heart rate, and map your hiking, cycling, running, etc. Now I don't like the armband thing for phones, so I put my phone in the back pocket of a cycling jersey which I wear whenever I want m...
by Cosmo
Sun Jul 12, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: House Layout: Where to put Dining Table?
Replies: 23
Views: 1743

Re: House Layout: Where to put Dining Table?

tigermilk wrote:Neither. Use the breakfast area (looks to be the same size as the dining room) and gain an extra room for a home office or other use.


+1.

Actually, why not use 100% of the breakfast area and then partially overflow into the family room?

Cosmo
by Cosmo
Mon Jun 29, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: Learning Guitar
Replies: 30
Views: 3594

Re: Learning Guitar

For a beginner guitarist, I highly recommend Justin guitar: http://www.justinguitar.com. In true Boglehead fashion...it's free! (unless you would like to donate) +1. There is this and then, of course endless Youtube videos. I casually play some guitar and boy, I can really get lost on youtube guita...
by Cosmo
Mon Jun 29, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 5290

Re: New tires - where to buy, how to get a good deal?

Never found anyone that can come close to Discount Tire Direct. During holiday sales, they have stackable rebates. Memorial Day sale - bought two sets of H727 tires for my Civic and mom's Elantra. Civic was $107 net (set of four!) Elantra was $163 net + mounting/balancing. I do my own rotations and...
by Cosmo
Sun Jun 28, 2015 3:39 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 25948

Re: The next Lehman - this week? [Greek default]

livesoft wrote:Can you believe this thread is 4 years old?


Good one, livesoft, I fell for this one too. Amazing indeed.
by Cosmo
Sat Jun 27, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Three devices = redundancy
Replies: 36
Views: 5110

Re: Three devices = redundancy

If it were me, I would get rid of the tablet and get a slightly larger phone with a bigger, higher resolution screen, but it is easy to find non contract flip phones for about $25 if you just do a Google search. The one I use for outdoor work is a hand me down from a friend. I have another waiting ...
by Cosmo
Sat Jun 27, 2015 10:52 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers quotes for today
Replies: 13
Views: 2484

Re: Jim Rogers quotes for today

What you need in a bubble is a 26-year-old. They think that a bubble is normal, that this is the way the world is, and that they are making so much money they think they are brilliant. On the downside, you need a 76-year-old, but even the 76-year-old can get wiped out, too. "Opinion: Jim Roger...
by Cosmo
Sat Jun 27, 2015 10:20 am
Forum: Forum Issues and Administration
Topic: Can we put up to vote if forum members want to see topics that are financial but related to politics
Replies: 22
Views: 2128

Re: Can we put up to vote if forum members want to see topics that are financial but related to politics

Question to the board: would there be an interest in opening up the board to potentially political topics. Like someone just posted a topic that talks about impact of OBERGEFELL v HODGES on Social Security, and it was locked. I understand that under the current rules, that topic should be locked. H...
by Cosmo
Sat Jun 20, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4326

Re: Is Private Banking ever useful for simple Bogleheads

What is private banking and I am still not clear of any special privileges that you would get. I have been banking at Wells Fargo for 25 years. As a result of auto deposit of my paycheck, I get free a free checking account there, with free WDs (rarely needed these days). I use their app to deposit c...
by Cosmo
Sat Jun 20, 2015 8:36 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 8
Views: 1506

Re: New Garage Doors

After 20 years I replaced my 'California tilt-up' doors with conventional roll-ups - best thing I ever did. I got aluminum ones with a layer of some sort of plastic bonded to the inside to quiet them. I've had them around 20 years now and the only thing I would change if I did it again would be to ...
by Cosmo
Sat May 30, 2015 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Home Equity as part of your Net Worth?
Replies: 25
Views: 2934

Re: Home Equity as part of your Net Worth?

This has been discussed ad nauseam very recently here.

http://www.bogleheads.org/forum/viewtop ... 2&t=165715

Cosmo
by Cosmo
Sat May 16, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Networth question
Replies: 54
Views: 4944

Re: Networth question

goodenyou wrote:Home equity is not usually included in net worth calculation. It is the "you gotta live somewhere" argument.


Net worth should include EVERYTHING, including your home.
by Cosmo
Thu May 14, 2015 6:46 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's Web Site So Bad?
Replies: 64
Views: 5661

Re: Why is Vanguard's Web Site So Bad?

I think the answer to the question posed in the thread title might be: Because it costs money to improve it and Vanguard wants to keep costs low because that's what clients expect. Or another form of the answer: Clients don't want to pay for a better web site. OT but this doesn't explain why they a...
by Cosmo
Sat May 09, 2015 4:05 pm
Forum: Forum Issues and Administration
Topic: Am I the only one not getting notifications?
Replies: 11
Views: 2586

Re: Am I the only one not getting notifications?

HueyLD wrote:
retiredjg wrote:Haven't gotten any notifications since about 4 a.m. Anybody else having a problem or is it just me?

What notification??


+1

Huh? Notification?
by Cosmo
Sat May 09, 2015 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: New Math for Retirees and the 4% Withdrawal Rule
Replies: 96
Views: 13551

Re: NYT article on 4% retirement

That is the truth Nisi but you have omitted a very important consideration. While we know that the SS component of your retirement has a CPI-U COLA a simple traditional 3% inflation rate would have reduced your real dollars year by year so that your end withdrawals would be worth near 10% of what t...
by Cosmo
Wed Apr 29, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1517

Re: 2 iphones on 1 itunes account experiences?

OP here, thanks all. I don't know why I missed this page when I was searched. Thanks for the link and comments, this sounds like the way to go: https://www.apple.com/ios/whats-new/family-sharing/ The part I struggle with is I am not sure that having multiple iTunes accounts (each tied to a credit c...
by Cosmo
Tue Apr 28, 2015 8:32 pm
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1517

Re: 2 iphones on 1 itunes account experiences?

On one itunes account on our computer we currently have my wife's iphone, her ipad and my ipod nano. I'm going to break down and get an iphone and am hoping to have it on the same account. This way we could share music and apps, but hopefully keep imessages, phone contacts, etc separate; different ...
by Cosmo
Sat Apr 25, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: My PC is driving me nuts.
Replies: 28
Views: 2369

Re: My PC is driving me nuts.

Google Chrome browser plus Ad-Block Plus beats IE11 in my opinion. MalwareBytes is also a good idea. This. I work for a mega company, with a locked down enterprise network. IE11 is still the present web browser that we use. However, recently, my company started to support the Chrome web browser, wh...
by Cosmo
Sat Apr 18, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 26793

Re: What do you drive, and why?

I have a 2010 Mazda CX-9 and put on around 1,000 miles per year. The gas mileage is not that good -18-20mpg. As much as I would like to drive a small economy car, I feel I need to be in something larger so I am somewhat safer in a collision. Lots of F150s on the road down here. Having said that, the...
by Cosmo
Sat Apr 18, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 12219

Re: Does your family know about your net worth (ball park)?

From looking at the recent annual income poll result, I think most BHs are already millionaires or will become one. Q1. Does your family (parents, siblings) know about your net worth (ball park figure)? Q2. Do you know their net worth? Q3. How does knowing one's net worth affect family relationship...
by Cosmo
Sat Apr 18, 2015 8:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6831

Re: Favorite Boglehead Avatar?

kramer wrote:
Cosmo wrote:This thread is over 1 page long and no one still did not choose my avatar. I am in utter disbelief.

-The real Cosmo Kramer
Are you sure about that?? :happy I am offering the Real Kramer Tour here in the Philippines . . .


No. I'm Kramer....
by Cosmo
Sun Apr 12, 2015 6:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6831

Re: Favorite Boglehead Avatar?

This thread is over 1 page long and no one still did not choose my avatar. I am in utter disbelief. -The real Cosmo Kramer Cosmo, whenever I see your avatar, it always cracks me up that you chose a photo (of yourself) with your beloved pipe! I have been wanting to change it for years now. If I can ...
by Cosmo
Sun Apr 12, 2015 5:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6831

Re: Favorite Boglehead Avatar?

This thread is over 1 page long and no one still did not choose my avatar. I am in utter disbelief.

-The real Cosmo Kramer
by Cosmo
Tue Apr 07, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2709

Re: How should I go about getting a Will made?

You could do it for that, assuming you decided that you wanted a simple Will, you found a lawyer who did simple Wills, and you spent zero time discussing with the lawyer whether a simple Will would be appropriate. However, the original poster has two children, one of whom is a baby. Since he/she ha...
by Cosmo
Tue Apr 07, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cell phone question
Replies: 10
Views: 1082

Re: Cell phone question

Thanks I needed a camera but hated to waste the money on something I might not use again. I don't have a cell phone but might need one in the future so I thought about buying one instead of a camera. The money is around the same amount. I just had another idea maybe I could buy a disposable camera ...
by Cosmo
Tue Apr 07, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 6121

Re: Might Go $4,000 AAPL

I may be way off the mark here but AAPL kind of reminds me of where Microsoft was in the late 90s. Cosmo (Edited after seeing this comment from "topos".) Apple is a wonderful company. AAPL is also a quite expensive stock. 15 years ago, Microsoft stocks (MSFT) looks like a sure winner. I ch...
by Cosmo
Sun Apr 05, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 257
Views: 26891

Re: Do you think Ric Edelman is correct, never pay dow mortg

A mortgage is the best hedge against inflation most investors will ever have. If you had a 6% mortgage in the early 80s when the inflation rate hit 16% your 6% mortgage guaranteed that you could pay off your entire house at 6% regardless what the inflation rate was or how long it would stay at 16%....
by Cosmo
Sun Apr 05, 2015 8:07 am
Forum: Personal Consumer Issues
Topic: LOL how long do you keep old tax returns
Replies: 39
Views: 3694

Re: LOL how long do you keep old tax returns

I just dug out some old tax returns from the late 90s - early 00s to see if I had filed Form 8606 with them. I discovered that I filed some 8606 forms, but missed the last year I made a non-deductible IRA contribution. The traditional IRAs had long since been transferred from TDAmeritrade to Vangua...
by Cosmo
Sat Apr 04, 2015 6:58 pm
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 42
Views: 3712

Re: Are remote starters bad for cars?

IANAL, however just be aware in some states it may be illegal to use one. Ohio: No person driving or in charge of a motor vehicle shall permit it to stand unattended without first stopping the engine , locking the ignition, removing the key from the ignition. Colorado: No person driving or in charg...
by Cosmo
Sat Apr 04, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Family tent recommendations
Replies: 9
Views: 1054

Re: Family tent recommendations

I have a 3 man tent but it would tight for myself, wife and 2 year. So I'm planning to get something bigger that will be more enjoyable (maybe "8" person or so) What would you recommend? what features should I look for? I'd like to be able to quickly set it up myself. My wife doesn't like...
by Cosmo
Sat Apr 04, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 4734

Re: Buy riding mower or hire service to cut grass?

As an alternative to the riding mower, how about a wide deck push mower? They're about 30" - 33" wide compared to the the typical 21" - 22" mower. One of these would cut the time down significantly without going the ride-on route. Yes, I've never understood why these are not mor...
by Cosmo
Sat Apr 04, 2015 1:39 pm
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 4734

Re: Buy riding mower or hire service to cut grass?

Others may disagree but the $40/week I spend on a service is worth every single penny. Agreed. We have over an acre (about 20,000 square feet of lawn) and pay a lawn service $40/week as well. Even with a riding mower it would take me well over an hour to mow, edge, and sweep/blow away the clippings...
by Cosmo
Mon Mar 30, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: My Term Life Insurance
Replies: 39
Views: 3965

Re: My Term Life Insurance

I don't think it would hurt to wait before getting any life insurance. Like others have said, I am not sure there is a need for life insurance right now. In a few years or so, when you decide on having kids (sorry, I'm speculating), you may determine that there is no reason in getting a policy beyon...
by Cosmo
Mon Mar 30, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 8834

Re: Sued and won for drycleaner losing suit, suit now found.

Boy, this thread is really starting to wear on me. :happy
by Cosmo
Mon Mar 30, 2015 5:31 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- 2015 First Quarter Report
Replies: 9
Views: 1052

Re: BOGLEHEAD CONTEST -- First Quarter 2015 Report

If I knew my guess was supposed to be valid for the end of the first quarter, I would have guessed differently! :happy

Cosmo
by Cosmo
Mon Mar 30, 2015 5:05 pm
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2967

Re: Gardening 2015

Yesterday's tree thread made me go out and get the last oranges off the tree. Yummy! Flowers suggest next year's crop should be good, too. http://i62.tinypic.com/2illmhz.jpg Great pic, Livesoft! Yeah, mine have a lot of blossoms as well. I had two oranges on mine this year but the yard guys took th...
by Cosmo
Mon Mar 30, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2967

Re: Gardening 2015

Yes, it is only March and after 3 days of sun and warmth, the temps are back in the 30s with big winds here in NW Indiana. But, the warm weather did get me excited about gardening. I had planted about 150 garlic buds last fall and was pleasantly surprized to find about 90 are growing. Previously I ...
by Cosmo
Sun Mar 29, 2015 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance should my wife and i have???
Replies: 23
Views: 2394

Re: How much life insurance should my wife and i have???

TS, 1) Why would you buy life insurance? If either one of you gone, the other one has enough income to take care of the family. And, you have enough asset to cover the rest. So, you may just want to buy the minimum from your employer. One time annual pay or 50K/100K. KlangFool Sorry, but this is ju...
by Cosmo
Sun Mar 29, 2015 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 10666

Re: When does a 529 plan make sense to me?

livesoft wrote: That is, the money should be laundered through the 529 plan for the state income tax breaks while child is in college and Klangfool is paying for it.


Ha. Interesting use of the word, laundered. Not sure if that's the right way to use it it here but I definitely get your drift.
Cosmo
by Cosmo
Sun Mar 29, 2015 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 10666

Re: When does a 529 plan make sense to me?

gator15, How big is the risk of long term unemployment or under-employment before full retirement age?? If this risk is significant, you need significant amount of asset in taxable A/C too. KlangFool This is not a realistic question that most people can answer and I don't think it should be used as...
by Cosmo
Sat Mar 28, 2015 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 15010

Re: Smartest Financial Move You Ever Made

I made my smartest financial move ever in 2009 although I didn't realize it until 2010. In 2009, I opened up a 529 plan for my second kid, who was born in February of that year. I was very lucky to have his grandparents give us some money, along with my own money to start it up with a sizable lump s...
by Cosmo
Thu Mar 26, 2015 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 10666

Re: Why 529 plan makes any sense??

Because you value education for your children (or, increasingly, grandchildren) and want to help pay for it, and 529 plans offer a means to pay for that education using tax-advantaged dollars (in terms of state taxes) and tax-free growth. Personal finance is personal. It may not be for you based on...
by Cosmo
Wed Mar 25, 2015 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 10666

Re: Why 529 plan makes any sense??

Because you value education for your children (or, increasingly, grandchildren) and want to help pay for it, and 529 plans offer a means to pay for that education using tax-advantaged dollars (in terms of state taxes) and tax-free growth. Personal finance is personal. It may not be for you based on...
by Cosmo
Wed Mar 25, 2015 3:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2796

Re: U.S. cash pouring into international

I have one third of my equities position in international. I haven't been paying attention but was pleasantly surprised as I wrongly assumed it would have been down due to a stronger dollar. All I can say is, it's about time.
by Cosmo
Sat Mar 21, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax is the WORST
Replies: 6
Views: 1934

Re: TurboTax is the WORST

Now NO customer help. Can't efile because of a worksheet (not filed w/ IRS). Asks to check it, but no way to comment, accept, delete or otherwise. Of course I had to pay to get that far. Then 20 min to reach a "helper" who couldn't help because a tax issue (TurboTAX??), so over an hour on...
by Cosmo
Sat Mar 21, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 4925

Re: Hearse as daily driver?

Option 4: Only as a dead passenger.

Cosmo
by Cosmo
Sat Mar 21, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Ibonds and taxes
Replies: 5
Views: 831

Re: Ibonds and taxes

https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_itaxconsider.htm You have a choice. You can 1) Report the interest every year 2) Put off (defer) reporting the interest until you file a federal income tax return for the year in which the first of these events occurs: you redee...
by Cosmo
Sat Mar 21, 2015 6:10 pm
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 8631

Re: The one area I disagree with Jack

I'd imagine it depends highly on how old you are. For me, I do not follow this advice because I have no idea what SS will look like when I retire, or if it will even be around in a currently recognizable form. But for someone who is, say, 60, then I would be more inclined to take Bogle's view. I ag...

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